Actually you answered one of my questions in that Pralana gave you roughly the same conversion amounts. When I convert at 12% I understand what boldin is doing. But when I convert at "highest estate value,," I don't understand why it goes to 15% effective tax rate conversion. Also I still have to work on understanding Safe harbor for estimated tax payment. Does safe harbor mean that if I withheld 100% of my taxes owed in 2024. There is no tax payment penalty if I under pay taxes in 2025 due to a Roth conversion
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